At primary school in New Zealand, I was introduced to a school savings account run by one of the local banks. When our money box was full, we took it to the bank and watched with pride as our coins flowed across the counter. As a reward,we could choose our next money box from a small variety, and start the whole savings routine again. Every week I watched my parents sort out the housekeeping and “make ends meet”. Sometimes it was annoying to wait for things we really felt we needed.

Later, as a university student, I managed on an extremely small student allowance. Students were ignored by banks then, because we were so poor, and there was no way I could have gotten credit, even if I had tried. We collected our allowance three times each year, deposited it to the best advantage and withdrew it little by little to last until the next payout of the allowance.

When our daughter, Sophie, began to walk, we made a purposeful choice to encourage her to use money wisely. We often comment when the TV tells us “You owe it to yourself to borrow our money"—to whom do we really owe it? And what would happen if our income were reduced or dried up? Now, as a 12-year-old child, it’s almost embarrassing to see her tight “financial policy”,and wait for the unavoidable holiday sales to buy what she wants.

I agree that financial education in schools is very important. But the root of the problem lies with us and the way we behave as role models to those who follow.

1.What did the author learn from her parents?

A. How to become a banker.

B. Where to open a savings account.

C. Where to choose a money box.

D. How to make ends meet.

2.How did the author manage the student allowance?

A. He applied for a credit card.

B. He spent it three times a year.

C. He put it in the bank.

D. He seldom withdrew it.

3.What reflects Sophie’s tight “financial policy”?

A. Reducing her savings.

B. Buying things on sales.

C. Canceling holiday plans.

D. Borrowing money from banks.

4.What’s the text mainly about?

A. Parents,money problems.

B.Students' school performance.

C. Children’s saving behavior.

D. Children’s financial education.

完形填空

I walked through the door of the office building I worked in. Then I realized that I needed some money so I went to the ________ at the corner of the street.

As I finished and turned to ________ , I saw a wallet on the counter(柜台). The wallet was brown and________three hundred dollars, a driver’s license, and a ________ card. I didn’t know the name on the license, but ________he was, he was going to be in panic.

I went home with the wallet. In my apartment, I ________ the online phone book and found no one to ________ the name on the card in the wallet. I really wanted to ________ the man. If it had been my wallet, I would have been sick to my stomach with ________. I ________ the bank card and became ________ in thought. ________ , a fresh idea flashed through my mind. On the back was the number to his bank.

“Thank you for ________Wachovia Bank. Can I help you?” “I found a wallet at one of your bank machines today and I am trying to find the ________ .” “That’s very nice of you, sir. Can you________ me the number on the card please?” I did what I was told and asked, “Can you tell me his phone number? I want to contact him to ________ his wallet.” “I’m sorry, sir, but we cannot give out the ________ information of our customers.” “I understand. Can I give you my telephone number? You could call him and tell him who I am.” “I can________ do that, sir.”

I gave her my contact information and hung up. Two days later, a gentleman found me. He ________ thought he would see his wallet again. He was so ________ that he kept saying “thanks” many times.

I smiled all day long. Doing good for others does good for you.

1.A.restaurant B.bank C.hotel D.supermarket

2.A.pass B.inform C.watch D.leave

3.A.existed B.replaced C.contained D.gathered

4.A.name B.identity C.record D.bank

5.A.whoever B.whatever C.however D.whichever

6.A.published B.checked C.compared D.reviewed

7.A.need B.recognize C.match D.remember

8.A.blame B.help C.follow D.study

9.A.worry B.doubt C.curiosity D.sadness

10.A.set up B.gave up C.picked up D.put up

11.A.interested B.confused C.crazy D.lost

12.A.Immediately B.Strangely C.Generally D.Recently

13.A.visiting B.choosing C.calling D.trusting

14.A.seller B.designer C.winner D.owner

15.A.give B.send C.write D.suggest

16.A.return B.gain C.keep D.confirm

17.A.enough B.personal C.special D.obvious

18.A.certainly B.usually C.luckily D.simply

19.A.often B.never C.seldom D.once

20.A.nervous B.curious C.modest D.grateful

They don’t quite know how to cope with all the dam trouble they’ve got down in Hampden, Maine. And according to town manager Leslie Stanley, it doesn’t look as if things will improve any in the immediate future. “We’ve got a real annoying problem on our hands,” he says.

The annoyance began in late May. About three miles outside of town a group of beavers (河狸) built a dam near the mouth of a culvert (涵洞) that carries a stream under Canaan Road. Some 50 feet of roadway and several hundred feet of land on each side of the culvert were flooded. Stanley sent a road crew out to level the dam. The beavers rebuilt it. The crew tore it apart again. In fact, they tore it apart for ten mornings-and for ten straight nights the beavers rebuilt it.

On the eleventh day, the foreman tossed (扔) the problem back to the town manager. He, in turn, tossed it on to the local game warden (狩猎监督官). The warden, absorbed in beaver knowledge, moved quietly and carefully out one night and placed a petrol-soaked bag over the dam. (Any beaver expert will tell you the creatures just can’t tolerate petrol smell.)

In the morning the bag was found artistically woven (编织) into the dam.

The warden set out three steel traps that night. In the morning one was empty. The other two had been stolen by the beavers and used to strengthen the dam. The warden, cursing the state law against hunting beavers with firearms, got his traps back and set them out again and again. And every night the beavers stole them.

Town manager Stanley enlisted additional troops. He telephoned his police chief. Those beavers were breaking a state law against blocking up a natural watercourse. “Why aren’t you out there to uphold the law?” Stanley asked. “You’re the police chief. So remove them. Arrest them. Do something.”

Three mornings later, the police chief proudly announced the end of the dam. At 2:00 A.M., he said, he and a licensed dynamiter (炸药使用者) had blown it to small pieces. Stanley said he’d believe it when he saw it.

They drove out to the culvert and found a new dam already half-built. They also found the highway choked with mud and remains thrown up by the dynamite.

Stanley said maybe they should call in the Army Corps of Engineers. But the police chief’s faith in explosives was unshaken. He launched an all-out campaign,but the beavers always managed to have the holes plugged by the time the fire department appeared on the scene for its morning mop-up.

In time, the beavers tired of this nonsense and moved their dam “inside” the culvert-where it couldn’t be blown up without destroying the road too.

Stanley and his general staff held a council of war and agreed that fresh strategy was called for. Then they came up with an inspired idea. If we remove every branch of the dam by hand, we’ll force the beavers to go in search of new building material to replace what we’ve taken. Then we can place box traps along their runways and seized them.

The plan was completely approved. Moreover it worked. On July 30, town manager Stanley was able to announce that the beaver group had been trapped and removed to a remote wilderness area. And there was great joy in Hampden-until the middle of October, that is, when a group of young beavers was spotted swimming in the same waters from which its elders had recently been taken away.

But to make a long story short, the strategy that worked with the older beavers worked with the young ones too.

1.What was the annoying problem for the authorities in Hampden, Maine?

A. They failed to destroy the dam repeatedly built by the beavers.

B. They didn’t know who to send to deal with the dam trouble.

C. The beavers were building dams in every corner of the town.

D. The political situation in the town was becoming much worse.

2.What did the local game warden do?

A. He made steel traps to strengthen the dam.

B. He set out to hunt the beavers with firearms.

C. He learned a lot about the construction of the dam.

D. He used petrol-soaked bags to drive the beavers away.

3.Which is the correct order of the following events?

① The land on both sides of the culvert was flooded.

② The local leaders worked out a strategy.

③ The game warden set out steel traps.

④ The beavers rebuilt their dam inside the culvert.

⑤ The police chief used explosives to destroy the dam.

A. ①③②⑤④ B. ①③⑤④② C. ②①④③⑤ D. ②①⑤③④

4. The underline word “uphold” in Paragraph 6 probably means ________.

A. revise B. resist C. violate D. maintain

5. What can we learn about beavers from the passage?

A. The beavers seem to be stubborn about building dams.

B. The beavers are allowed to be killed when causing trouble.

C. The beavers can’t adapt themselves to living in wilderness.

D. The beavers finally returned to the culvert with their young.

完形填空

阅读下面的短文,从短文后所给各题的四个选项(A、B、C和D)中,选出可以填入空白处的最佳选项。

“Little Annie” Sullivan, as she was called when she was young, was no stranger to hardship. She was ____ sightless herself and was, at one time,diagnosed as hopelessly insane(精神病的) by the doctors. She was locked in the basement of a ______ institution outside of Boston. At times, Little Annie would violently ______ anyone who came near. Most of the time she generally _____ everyone in her presence.

An elderly nurse ______ there was hope, ______, and she made her mind to show love to the child. Every day she visited Little Annie. For the most ______, the child did not acknowledge the nurse’s presence, but she still ____to visit. The kindly woman left cookies for her and spoke words of love and encouragement. She was sure that Little Annie could ____, if only she were shown love.

Eventually, doctors noticed a ____ in the girl. Where they once witnessed anger and hatred, they now noted an emerging gentleness and ____. They moved her upstairs where she continued to __32__. Then the day finally came when this seemingly “hopeless” child was set ____.

Annie Sullivan ____ into a young woman with a(n) ____ to help others as she, herself, was helped by the kindly nurse. It was she who ____ the great potential in Helen Keller. She loved her, disciplined her, and played with her. Annie Sullivan worked ____ in Helen Keller’s life; but it was the loving nurse who first ____ in Little Annie and lovingly transformed an uncommunicative child into a compassionate teacher.

The name of Helen Keller would have ____ unknown if it had not been for Annie Sullivan. ____ would the name of Annie Sullivan if it had not been for a kind and devoted nurse. And so it goes. Just how far back does the chain of love extend? And how forward will it lead?

1.A. almost B. still C. rather D. only

2.A. cultural B. religious C. mental D. private

3.A. attract B. attack C. watch D. touch

4.A. blamed B. caught C. greeted D. ignored

5.A. suggested B. determined C. imagined D. thought

6.A. therefore B. otherwise C. however D. besides

7.A. course B. part C. reason D. content

8.A. continued B. forgot C. refused D. failed

9.A. return B. recover C. remember D. reply

10.A. chance B. trouble C. change D. fault

11.A. love B. worry C. anxiety D. wish

12.A. play B. study C. shout D. improve

13.A. free B. busy C. spare D. loose

14.A. ran B. grew C. looked D. knocked

15.A. order B. demand C. desire D. idea

16.A. showed B. reached C. owned D. saw

17.A. doubts B. decisions C. plans D. wonders

18.A. joined B. believed C. took D. dropped

19.A. remained B. seemed C. become D. proved

20.A. Either B. And C. So D. Neither

阅读下面短文,从短文后所给各题的四个选项(A、B、C和D)中,选出可以填入空白处的最佳选项。

I believe I had the perfect life. Because I was about to______my high school, and on my way to college, I had great friends and a loving family. There was nothing______. But I spoke too soon.

It was around 9:25 a. m. that I heard the news that would______my life forever. My brother Zach had been in a car accident. He fought for five days before he______. That day, I became an only child. I felt desperately______.

After Zach’s death, I found______in food. I ate, then I slept, then I ate again. I couldn’t cry. I could barely feel anything, and I was______. I stopped building relationships for fear that they would end just as______as Zach’s life. Also, I became nervous about any potentially______situations—driving late at night—but I couldn’t express this fear of life______I wanted to be strong for my parents. I saw my parents’ ______worse than mine on account of the losing of their son. I didn’t want them to______me. I also experienced a lot of______, because I was angry about why the sadness had happened to me, and I never______from this emotion.

Now, it has been nearly five years since Zach’s death. I don’t______life anymore: I face it bravely. I______my friendships and began socializing more. I even______Zach’s story with people around me. Although my new friends never met him, they know about Zach.

One lesson I learned from losing my brother was never to be______to say, “ I love you.” I loved my brother, but it was too late to______it loudly. The last time I remember telling my brother I loved him was when he was dying. Don’t make this______like me.

1.A. skip B. finish C. admit D. determine

2.A. earning B. missing C. competing D. reaching

3.A. slip B. change C. simplify D. spoil

4.A. took away B. passed away C. gave away D. flew away

5.A. lonely B. deserted C. abandoned D. remote

6.A. nutrition B. relief C. guidance D. benefit

7.A. funny B. numb C. patient D. endless

8.A. finally B. suddenly C. appropriately D. violently

9.A. complicated B. risky C. particular D. tense

10.A. so B. if C. because D. unless

11.A. discouragement B. pain C. tolerance D. memory

12.A. think about B. care about C. consider about D. dream about

13.A. unpleasantness B. anger C. unhappiness D. power

14.A. hated B. escaped C. stopped D. measured

15.A. damage B. choose C. leave D. fear

16.A. produced B. rebuilt C. promoted D. insured

17.A. imitate B. share C. advertise D. perform

18.A. stubborn B. afraid C. tight D. nervous

19.A. explore B. express C. circulate D. scream

20.A. mistake B. explanation C. decision D. comment

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